I rescued Maggie six years ago from the local SPCA and one of the first things I did was to purchase VPI insurance for her. I wanted the peace of mind that comes with knowing that if Maggie has a catastrophic illness or injury at least a portion of the cost would be covered. Thankfully, we have only had to file claims for annual vacinations, teeth cleaning and the occasional stomach upset. I agree with others that the VPI allowable fees are much less than the vet's fees. Eventually, if the annual premiums keep going up and the allowable fees do not, I will need to rethink my commitment to Maggie's insurance and hope for the best. When I have filed a claim, the customer service has been excellent and my reimbursement was sent quickly.